It’s wise to check your credit report on a semi-annual or annual basis (at a minimum).
Keeping track of your credit score isn’t as big of a deal, but you SHOULD know what it is. I’d encourage you to look into that at least once a year as well!
But where should you look? WHERE CAN YOU GET A FREE CREDIT REPORT AND CREDIT SCORE??
Many of the people I meet with on a daily basis aren’t aware that there are places you can view this information FOR FREE! We’re so used to paying credit card companies and other credit monitoring services, that some people don’t even know there are other options available.
The 3 major credit agencies (TransUnion, Exquifax, and Experian) give each person a FREE annual credit report.
The website to use for this free service is AnnualCreditReport.com.
They will require you to give your personal information, but it’s important to know that it is all legitimate.
Also, instead of checking ALL of your reports at once, it’s not a bad idea to view one of them now and the others a few months down the road. Obviously if you check them all now, then you can’t view any of them for another year without paying for it.
Getting a free credit score is a little trickier. However, with the recent push of online financial education there are now some places where you can get this information for free!
Credit Karma – TransUnion credit score
Credit Sesame – Experian Credit Score
Equifax – Equifax Credit Score (this is not a free service. They charge $19.99 to get your score, but I just offered this in case you want to check your Equifax score too)
I’ve personally used both Credit Karma and Credit Sesame, and I know they’re legitimate.
Stay informed and don’t pay when you can get it for FREE!
The articles are written by personal finance enthusiasts (not certified professionals) based on their personal experience. What works for them may or may not work for you, and you should always consult a financial advisor before making important financial decisions.
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